Spending Solutions for Your Year-end Needs

DEWITT, Mich. - Dec. 10, 2014 - PRLog -- 'Tis the Season to Manage Your Year-end Cash Needs
The holidays are right around the corner. That is why it's important to take steps today that can help you manage your holiday and year-end spending and cash needs in a manner that supports your long-term financial goals.

Talk to your Edward Jones financial advisor to learn more about the options available and what may work best for you.

Your solutions may include:

Edward Jones MasterCard^® Credit Cards
Choose a credit card based on your preferences:

Personal World MasterCard^® – For clients who typically carry a monthly balance and prefer the advantages of a lower APR
Personal WorldPlus MasterCard^® – For clients who typically do not carry a balance and enjoy earning Loyalty Points^® faster
Business MasterCard^® – For business owners who likes to earn Loyalty Points faster and take advantage of valuable benefits for their business

Take advantage of special offers and valuable rewards before the year ends. You may be interested in our ChoiceInvest option that lets you redeem Loyalty Points to make cash deposits directly into the Edward Jones account of your choice. Simply talk to your financial advisor for more information or to help you decide which card is right for you. You can even apply online via Edward Jones Online Account Access.

Edward Jones Visa^® Debit Card
Our debit card allows you to electronically access available balances in your money market fund or Insured Bank Deposit program. Our debit card offers zero liability fraud protection, making it more secure than carrying cash. And the transactions you make conveniently appear on your account statements and online if you're enrolled in account access.

Check Writing
If you have cash in a money market fund or Insured Bank Deposit program, you can access your funds through our check-writing service. This can be helpful around the holidays, especially if you like to present a check as a gift to a family member.

A Personal Line of Credit (Margin Loan)
Did you know you can borrow against your investment portfolio? The Edward Jones Personal Line of Credit is a margin loan that allows you to borrow against eligible securities in your account. With this option, your investments can continue to help you work toward your goals while serving as a source of collateral for credit you may use under certain conditions. Benefits include these features:

Competitive – Our rates are among the most competitive in the industry, often lower than what you’ll find at a bank, and are based on your eligible assets under care.
Convenient – Quickly access the funds you need without liquidating securities – and the loan comes with a flexible repayment schedule.
Confidential – There is no credit check or loan committee when initiating a margin loan.

Electronic Funds Transfer (ACH on Demand)
Use this service to transfer funds electronically between your eligible Edward Jones accounts and to and from your accounts at other financial institutions at no cost.

You'll no longer need to mail or drop off checks. Simply call your financial advisor or transfer funds online through account access. Transactions usually settle in one business day, and you'll save on postage, gas, checks and time.

Monitor Holiday and Year-end Spending via Edward Jones Online Account Access
Account access provides 24/7 access to your account information, providing you with an easy and convenient way to monitor the transactions in your account. You can also pay bills, transfer funds electronically, view important account documents, send secure messages to your branch office and much more.

Address your spending and cash needs now to help ensure your spending during the holidays and throughout 2015 aligns with your long-term financial goals. Talk to your financial advisor (https://www.edwardjones.com/en_US/find_financial_advisor/...) today.

1 The creditor and issuer of the Edward Jones MasterCard is Elan Financial Services, pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. © 2014 Elan Financial Services. All rights reserved.

2 Edward Jones has arranged with BNY Mellon Investment Servicing Trust Company for PNC Bank, N.A., to issue Visa® cards to Edward Jones clients. When you use your cards, you will be accessing the available balance in your Edward Jones account. Application approval is contingent on a review of your check-writing history and/or credit information. ATM withdrawals using the Edward Jones debit card are subject to a fee of $1 per ATM withdrawal plus surcharge fees charged by ATM owners outside the PNC Bank network. Certain accounts may qualify for a waiver of the $1 fee as well as rebates of ATM surcharge fees.

3 All check transactions will appear on your Edward Jones account statement. Certain fees, restrictions and minimum balances may apply.

4 Our Personal Line of Credit is a margin loan and is available only on certain types of accounts. Investing on margin or using a margin loan involves risk and is not appropriate for everyone. You can lose more funds than you deposit in the margin account. If the value of the securities in your margin account decline, you may be required to deposit cash or additional securities. In the event of a margin call, the firm can sell securities or other assets in your accounts and can do so without notice to you. You may not be entitled to choose which securities or other assets in your accounts are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and/or not grant an extension of time on a margin call. Interest will begin to accrue from the date of the loan and be charged to the account.

5 Automated Clearing House (ACH) is an electronic payment network used to transfer funds between accounts from different institutions